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business credit cards for startups

Compare business credit cards for startups – October 2018

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Many business credit cards offer helpful benefits for startups.

Running a startup is never easy. You’re juggling multiple priorities at any given moment — including, of course, your company’s finances.

A business credit card can be your best friend for covering last minutes expenses. There are lots of choices catering to startups, so compare the annual fees, benefits and rewards to find the best card for your startup.

Best business credit cards for startups

There are many business cards on the market, but it’s likely only a few offer benefits that meet your specific needs. Here are a few of our top picks.

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Best for intro APR: Blue Business℠ Plus Credit Card

If you need to take on interest-free debt for a longer than a month, you’ll want a card with a strong intro APR. The Blue Business℠ Plus Credit Card from American Express is one of your top options, offering one of the longest zero-interest promotions you’ll find among business cards.


Best for average credit: Spark® Classic for Business

When you’re bootstrapping your startup, you might not have the best credit, from running up high balances or taking out loans. When other cards might be out of reach, the Spark® Classic for Business may be a viable option.


Best for limiting debt: Business Gold Rewards Card from American Express

The Business Gold Rewards Card from American Express
Business Gold Rewards Card from American Express

If you’re worried about running up high balances on your card, you can keep yourself in check with the Business Gold Rewards Card from American Express. That’s because it’s a charge card, meaning you must pay off your balance each month. Luckily, it’s also a strong rewards card, which can balance the annual fee you’ll pay after the first year.


Best for travel: Ink Business Preferred℠ credit card

This is one of your best choices if you travel often. You’ll earn accelerated points on travel and other business categories. And when you redeem points through Chase Ultimate Rewards, they’re worth 25% more.


Best for flat cash back: Capital One® Spark® Cash for Business

If your expenses spread through many categories, like office supplies, travel and shipping costs, a flat-rate rewards card like the Capital One® Spark® Cash for Business might help. It offers unlimited 2% cash back on all purchases.

If you don’t want to pay an annual fee, try the Spark® Cash Select for Business. And if you want flat travel rewards, try the Spark® Miles for Business or Spark® Miles Select for Business.


How to compare business credit cards for startups

  • Annual fee. When cash is tight, you might not want the expense of an annual fee. There are solid no-annual-fee business cards, though you’ll earn more powerful rewards with cards you have to pay for.
  • Signup bonus. If you anticipate heavy purchases in the next few months, you could breeze past the spending requirement for a card’s signup bonus. Business credit cards often have more impressive bonuses than personal cards.
  • Intro APR. This could be the answer if you’ll rack up debt soon but need several months to pay it off. Intro APRs for business cards tend to top off at around 15 months.
  • Rewards. A card with strong rewards can pay for itself. If your card has tiered rewards, check that your startup has significant expenses in the right categories. If your expenses are spread evenly throughout many categories, you might get more out of a flat-rewards card.

Compare business rewards credit cards

Updated October 23rd, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.
None (Charge Card)
$0 annual fee for the first year ($250 thereafter)
This charge card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
20.24% variable
$0 annual fee for the first year ($175 thereafter)
Earn 50,000 Membership Rewards® points after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
14.24%, 19.24% or 21.24% variable
0% for the first 9 months (then 14.24%, 19.24% or 21.24% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 14.24% - 21.24% variable.
14.99% to 20.99% variable
0% for the first 12 months (then 14.99% to 20.99% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
17.74% to 22.74% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®.
17.74% to 24.74% variable
$0 annual fee for the first year ($99 thereafter)
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5X miles per dollar on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2 miles per dollar on every purchase, every day.
14.74%, 18.74% or 22.74% variable
0% for the first 9 months (then 14.74%, 18.74% or 22.74% variable)
$0
Unlimited 1.5 cash back on every purchase, every day.
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
17.74% to 24.74% variable
0% for the first 9 months (then 17.74% to 24.74% variable)
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
17.99% to 25.99% variable
$0 annual fee for the first year ($99 thereafter)
For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening.

Compare up to 4 providers

Bottom line

Your startup faces unique challenges, which some cards can address more effectively than others. Compare options that give your rewards, balance transfers and an annual fee you can afford.

If you’d like to compare more products, visit our guide on business credit cards.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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